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This research work was aimed at list for creating customer patronage for Bank services.  Using Diamond Bank Nig. Plc as the case study.  The study also examined the commitment of the bank towards ensuring a better service and to better advice in the appropriate percentage of the Quality of service to be used so as to increase the customers patronage of the Diamond Bank Nig. Plc.

  • Other objectives are to determine how this service quality helps to generate patronage for Diamond Bank.
  • To determine how reliable is the service delivery system of Diamond Bank.
  • And determine how long is taking Diamond Bank to serve its customers of any point in time.

To achieve this, directly related literature was reviewed.  Also questionnaires were distributed to both the management/staff of the Diamond Bank Nig. Plc and their responses as well as to collect data to lest the hypotheses for the study.

The population of this study is restricted to the relevant staff/management which I about (69) sixty – nine and for the customers is about (100, 000) Hundred thousand.  The sample size was determined (Three Hundred and Ninety – eight).

In analyzing the research instrument used, Chi – Square method of statistical analysis were used to anlyse and test of hypotheses.

The findings of the study are as follows:-

  • That the productivity of bank staff depended not only on how their efforts are appreciated.
  • That the staff of the Diamond Bank have the necessary facilities which enable them to meet customers demand of the right time.
  • That the Diamond Bank ensures the security of customer deposits.
  • That the staff of the Diamond Bank are quarterly appraised to check their Job performance.

Based on the above findings, the following recommendations were equally made:-

  • The percent level of service delivery should be maintained and imposed upon in order to enhance their performance.
  • The policies establishing quality and which is a guide to quality assurance should be constantly reviewed to meet up with the ever-dynamic environment of business.



Chapter one:


  • Background of the study
  • Statement of the problem
  • Objectives of the study
  • Hypotheses formulation
  • Significant of the study
  • Scope of the study
  • Definition of the terms

Chapter two       

Literature review

  • Overview of the study

2.1.1  Service reliability

  • Importance of service to marketing
  • Overview of quality

2.3.1  Dimensions of quality

  • Dimensions of quality
  • Satisfaction an profitability
  • Measuring of service quality
  • The place of quality service.

2.5.1  Bank marketing management

  • Diamond bank and the

concept of service quality.

2.6.1  Client service

  • Bank customer relationship
  • Service delivery
  • Impact of service quality

on diamond bank nig. Plc.

  • Total quality management and

diamond bank nig. Plc.

Chapter three

Research methodology.

  • Sources of data
  • Population of the study
  • Determination of the sample size
  • Research instrument used
  • Sampling technique/data

treatment and analysis

  • Limitations

Chapter four:

Presentation, analysis and interpretation of data

4.1     hypotheses testing

Chapter five:

Summary of findings, recommendation

and conclusion

  • . Summary of findings
  • Recommendations
  • Conclusion


Appendix (I)

Appendix (II)






The performance of Banks in Nigeria has been viewed by many from different perceptivity.  Assets, quality and managerial efficiency have been seen by many as determinants of Banks performance, while a reasonable percentage of identified capital adequacy, as critical for Bank performance.  Other factors have also been seen, as determinants of bank performance like bank liquidity and volume of loan portfolio.

A service is any act or performance that one party can offer to another that is essentially intangibility of a service makes it mandatory that, the recipient must hold on to something which he or she will term to be of quality so as to encourage patronage and patronage can only be enhanced when the recipient is satisfied with the services resaved.  (See love lock 1991.300)




BRITISH BANK OF WEST AFRICAN: – Adekage (1986 pg.160: The first commercial ban – the African (BBWA) in 1893 with 810, 000 capital, later increased to #1100, 000 during the same year.  It was registered in London as a limited liability company in March 1894 and the first Lagos branches were opened in major West African cities.  Accra, Freetown Bathurst.  The bank opened its second Nigerian branch in old Calabar in 1900.  Another bank called the Anglo African bank was eatable led in old Calabar by the Royal Nigeria Company (Now U. A. C) to complete with BBWA.                                         The bank later changed its name to banks of Nigeria and established branches in Burutu, Lokoja and Jebba.  However, due to fierce competition and the monopoly for the importation of silver from the Royal Mint enjoyed by BBWA, they sold out to BBWA in 1912.


This bank opened its first branch Lagos in 1917.  (It is now known as “Union Bank” soon after other branches was opened.  The Nigeria banking scene was, therefore dominion by these two British banks.  BBWA and Berchay’s Bank DCO between 1894 and 1933.


The British and French Bank, now called United Bank for Africa Ltd.  (U. B. A) was established in 1949 making it the third expatriate bank to dominion early Nigerian Commercial banking.

The foreign banks came principally to render services in connection with international trade so their relationships at that time were chiefly the expatriate.  They largely ignored the development of local African entrepreneurship together, there three-bank deposit.  From 1914 to early 1930’s several abortive attempts were made to establish locally owned and managed banks to break the foreign monopoly


In 1929, the industrial and commercial bank was set up by a handful of patriotic Nigerians.  It folded up in 1930 due to under capitalization, poor management and aggressive competition from the expatriate banks.

In 1931 another indigenous bank, the Nigerian merchant banks was established.  Like its predecessor, it went into liquidation I n1936.

With greater courage and planning.  The same group of Nigeria Ltd. which was the first indigenous bank to survive.  The next private indigenous banks to be established was the Agbonnagbe bank founded by chief Okupe in 1945.

This bank was taken over by the Western States Government in 1969 and its name was changed up in the early 1940’s collapsed in 946 under the weight of mismanagement.

This was followed by the Nigerian farm and commercial Bank in 1947 which failed in 1953.  The merchant Bank opened business in 1953 and closed in 1960.  Indeed, this was a period of free – for – all banking between 1947 and 1952, a total of 22 banks were registered in Nigeria, according to a study conducted by C.B.N.  However, a figure as high as (185) banks was quoted from government records and was confirmed by the financial secretary as the number actually registered as banking companies between 1945 and 1952 of which 145 were registered in 1942 and 40 in 1952.  Most of the banks however, merely registered without actually commencing operation.  The nest successfully established indigenous bank was the African Continental Bank founded by (Dr. Nnamdi Azikiwe) in 1947.  The need for legislation for the control of banking in Nigeria became very apparent mainly to protect depositors.  The colonial government therefore, set up a commission of inquiry the paten commission.  Consequent upon the report of the commission the first banking legislation was passed in 1952.


  • Courtesy and concern towards customers of |Diamond Bank Nig. Plc have found to be lacking in the attitude and conduct of the bank staff.
  • Distress in banks in the recent past has brought a lot of fears on the part of depositors with regards to the security of their deposits.
  • Efficiency and speed are missing is Diamond Bank Nig. Plc and in other banks in Nigeria thereby leading to long queues and crowded banking halls which at most times are not well ventilated.
  • The pay offs, selling proposition in some of the advertisement of Diamond |Bank Nig Plc have not been seen in their daily operations.
  • Basically to determine how this services quality helps to generate patronage for Diamond Bank Nigeria Plc.
  • To determine how reliable is the service delivery system of Diamond bank.
  • To determine how long it takes Diamond Bank to serve its customers Almay point in time.

H0:1   Service        Quality in Diamond Bank has not in any way helped in generating patronage for the Bank.

Hi:1    Service Quality in Diamond Bank has helped in generating patronage for the Bank.

H0:2   The service delivery system of Diamond Bank is not reliable.

Hi:2    The Service delivery system of Diamond Bank is reliable.

H0:3   The service delivery system of Diamond Bank is not adequate to customers.

Hi:3    The service delivery system of Diamond Bank is adequate to customers.


Quality is indispensable for the increase and heightened performance in the operation of any service institutions especially in the banking industry, which is characterized by intense competition, and is presently operation in on ear of “Flight for quality”, amidst distress in banks in the recent past.

The significance of this study to Diamond Bank of Nigerian Plc is to see quality in service as a central focus for better customer patronage, the study will also be significant to other banks or competitors and other banking institutions who will see that patronage is only better to increased through quality in service without paying lips service to customers, and this will inturn re-position the economy to better financial state.  The study will also be relevant to customers because they will get better customer services such as speed and accuracy.  The study will also broaden the knowledge of the research in the areas of banking, service quality, reasons for increase customer’s patronage etc.


This study is restricted to Diamond Bank main branch office at number 22, Okpara Avenue Enugu.  The reason for this is because of the bank system of branch net working which allows for a singular focus of the bank within a given territory to achieve the set objectives of the bank.


Service:      Is any act or performance that one party can offer to another that is essentially intangible and does not result in the ownership of anything (LOVE LOCK H. Service Marketing, 1991)

Bank:         A bank is a place where money and other valuable are kept for proper safekeeping. (ANYANWAOKORO Banking practices, 1998 P, 18).

BANKING LIQUIDITY:       This means when a bank is usually able to settle short-term and maturing financial obligations at short notice (ANYANWAOKORO Banking pratices 1995. P. 183).

LONG PORTFOLIO:  this simply means package of loan method, types of loan and the management of loan risk (DR. ORJO ELEMENT OF BANKING 1993 P. 86).



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